According to the latest benchmark interest rate of 20 19 of the central bank (below 1), the benchmark interest rate for commercial loans with a term of more than five years is 4.9%. If it goes up 10%, your mortgage interest rate will be 5.39%. At this time, if equal principal repayment is adopted, 23 10.86 yuan will be repaid in the first month, and 5.73 yuan will be reduced every month thereafter. After 15, the accumulated interest is 93,400 yuan, and with the mortgage of 230,000 yuan, your accumulated repayment is 323,400 yuan.
Generally speaking, your loan interest is on the high side, so it is recommended to take the provident fund loan with a monthly interest rate of 3.25%. In addition, even if you can't take the provident fund loan, you should also look at whether to repay in advance according to the situation, that is, if your existing investment interest is higher than 5.39%, you don't have to repay in advance, otherwise you will repay in advance.